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NAB

NAB Low Fee Platinum

Purchase Rate
19.74% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 44 days
Annual Fee
$90.00
  • Standard Balance Transfer Rate: 0% p.a. for 6 months2. Once off 2% balance transfer fee applies.
  • Platinum Concierge Service - your own 24 hour, 7 day personal assistant.
  • Access to seven complimentary insurances including Overseas Travel Insurance when you make an eligible purchase.
  • Access to our 24/7 NAB Service Centre.
  • Up to 44 days interest free on purchases while you have a balance transfer.
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Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$90.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $90.00
Annual Fee First Year $90.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $2.50
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $5.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
1. Interest-free days on purchases apply if you pay your account in full by the due date each month. You won't receive interest free days if you have a balance transfer. However from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. 2. After 6 months, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74% p.a as at 25 February 2019). Interest rates are subject to change and available at nab.com.au. Interest-free days on purchases do not apply while you have a balance transfer. However from 30 March 2020 you may still receive the benefit of interest-free days on purchases if you have an outstanding balance transfer, if you pay the ‘interest-free days payment’ specified on your monthly statement in full by the due date each month. For more information visit nab.com.au/btchange. Minimum monthly repayments must be made by the due date each month. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Standard balance transfer rate and term may be varied or withdrawn at any time. In addition to this acquisition rate, which is available only at card application, other balance transfer offers may be available on your card from time to time. You can find out more information about the ongoing balance transfer rates of your card. 3.Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian credit licence 230686 (NAB) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the NAB card insurances is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the NAB Card Insurance Policy Information booklet (PDF, 478KB) and in the NAB Purchase Protection Insurance Policy Information Booklet (PDF, 275KB) which may be amended from time to time. NAB does not guarantee this insurance. Credit card terms and conditions (PDF, 343KB). Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees subject to change. Correct as at 25 February 2019 and subject to change. Credit cards issued by National Australia Bank Limited. ©2020 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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